TBIL vs XHLF: Differences, Returns & Fees
TBIL's duration was 0.2 years on May 31, 2026 and XHLF's 0.5 on Jul 31, 2026; XHLF charges 0.03% to TBIL's 0.15%. Net assets: $7.6bn on Oct 19, 2026 for F/m US Treasury 3 Month Bill Fund, and $1.9bn on Jul 31, 2026 for BondBloxx Bloomberg Six Month Target Duration US Treasury ETF.
XHLF costs 0.12 points a year less; their one-year returns differ by 0.2 points.
| TBIL | XHLF | |
|---|---|---|
| Expense ratio | 0.15% | 0.03% |
| Net assets, TBIL as of Oct 19, 2026 and XHLF as of Jul 31, 2026 | $7.6bn | $1.9bn |
| Total return, 1 year | +3.7% | +3.5% |
| What it tracks | Bloomberg US Treasury Bellwether 3M Total Return USD Unhedged Index (I00087US) | Bloomberg US Treasury Six Month Target Duration Index |
| Holdings in common | report dates differ | |
Holdings in common uses holdings dated May 31, 2026 and Jul 31, 2026.
TBIL and XHLF are built for the same job. How do they differ in cost, holdings and results?
- What each follows. TBIL follows Bloomberg US Treasury Bellwether 3M Total Return USD Unhedged Index (I00087US) and XHLF follows Bloomberg US Treasury Six Month Target Duration Index.
- Cost. TBIL charges 0.15% of assets a year and XHLF 0.03%, a gap of 0.12 points.
- Size. TBIL has $7.6bn in net assets and XHLF $1.9bn (net assets, TBIL as of Oct 19, 2026 and XHLF as of Jul 31, 2026); TBIL is 4.0 times larger.
Data as of Oct 20, 2026. The differences are picked by a fixed rule, in a fixed order; the PDF prints it. Page 2 has the returns, overlap, risks and sources.
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On the same fields
TBIL and XHLF on the fields both publish, as of Oct 20, 2026. Source: ETFIQ.
About TBIL
TBIL tracks an index. Over the year to Oct 20, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.15% a year.
About XHLF
XHLF tracks an index. Over the year to Oct 20, 2026 it returned +3.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year.
Questions people ask
- Which returned more over the last year, TBIL or XHLF?
- In the year to Oct 20, 2026, with distributions reinvested, TBIL returned +3.7% and XHLF +3.5%.
- Which is cheaper, TBIL or XHLF?
- XHLF is cheaper, by 0.12 percentage points a year. That is about $12 on $10,000 held for a year. Fees come from each fund's prospectus.
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ETFIQ, TBIL against XHLF, data as of Oct 20, 2026. https://etfiq.com/compare/any/tbil-vs-xhlf
ETFIQ. (Oct 20, 2026). TBIL against XHLF. Retrieved from https://etfiq.com/compare/any/tbil-vs-xhlf
[TBIL against XHLF (ETFIQ, Oct 20, 2026)](https://etfiq.com/compare/any/tbil-vs-xhlf)
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